1650 12TH STREET SW, LARGO, FL, 33778
Active22 days on marketListed Sep 21, 2026MLS #TB8548465
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Sat, Oct 17
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About this home
1650 12TH STREET SW
Easy Florida living, a central Pinellas location, and the major updates buyers want already in place. This 3 bedroom, 2 bathroom Largo home offers approximately 1,500 square feet of living space, a 2 car garage, a fenced backyard, and no HOA. Inside, the floor plan offers comfortable living and entertaining space with plenty of natural light, tile flooring, quartz countertops, stainless steel appliances, updated cabinetry, and refreshed bathrooms. Step outside to the covered patio and fenced backyard, giving you extra room for outdoor dining, entertaining, pets, gardening, or simply enjoying Florida evenings at home. The big ticket items are another standout. The roof was replaced in 2020 and the HVAC system was updated in 2025, giving the next owner two important improvements already completed. And then there is the location. You are close to the Pinellas Trail, John S. Taylor Park, Florida Botanical Gardens, shopping, dining, recreation, medical facilities, and convenient access to the Gulf beaches. Whether your day starts on the trail, ends at the beach, or is spent enjoying your own backyard, this home puts so much of Pinellas County within easy reach. Offered at $410,000, 1650 12th St SW is ready for its next chapter. Schedule your private showing and come see what makes this Largo home worth a closer look.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,500
Sqft
0.14 ac
Lot size
2
Garage
1985
Year built
One
Levels
$273
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$2,927 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$2,927/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+2.6%
$/sqft vs Largo actives
$273 vs $221
Days on market
22 vs 69 typical
Where $273/sqft sits among the 400 Largo actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Stacey Acres
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Largo. See the full Largo guide →
Stacey Acres — neighborhood snapshot
Population
82
Median age
44
Median income
$55,343
Median home value
$316,800
Avg household
3
Households w/ children
4%
For the school run
Pinellas County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Largo market
$340K → $325K
Largo median sold, yr/yr
95.8%
Sale-to-list ratio (12 mo)
211 of 400
Largo actives have cut their price
Median sold price, Largo, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 156% above the LARGO 33778 median. See the full Largo market guide →
Paper trail
This home's history
Reality check
What actually sold near 1650 12TH STREET SW
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$410,000
1650 12TH STREET SW · same community
3 bd · 2 ba · 1,500 sqft · $273/sqft · 147 DOM
Sold · May ’26$350,000
1649 12TH STREET SW · same community
3 bd · 2 ba · 1,109 sqft · $316/sqft · 15 DOM
Sold · Jul ’26$115,000
11300 124TH AVENUE UNIT 136
3 bd · 2 ba · 1,484 sqft · $77/sqft · 121 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Iain Robinson
Broker Associate · CENTURY 21 Edge
Tours, negotiation, and every question about 1650 12TH STREET SW — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1650 12TH STREET SW — before you fall in love.
See it in person
Schedule a tour
Live availability from Iain's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
1650 12TH STREET SW FAQs
What would the monthly payment be for 1650 12TH STREET SW?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,927/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 1650 12TH STREET SW?+
The most recent tax bill on record (2025) was $2,063. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 1650 12TH STREET SW?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Largo?+
At $410,000, this home is listed about 44% above the Largo median of $284,900. The market section on this page shows how the area is trending.
Which schools are assigned to 1650 12TH STREET SW?+
Ridgecrest Elementary School (elementary), Largo High School (high), Seminole Middle School (middle) — Pinellas County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of LPT REALTY, LLC · Angie Haddon. MLS #TB8548465.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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